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Credit Cards · India

Equitas Selfe Credit Card

Updated 5 Jul 2026Source-linked

The Equitas Selfe Credit Card is a mid credit card from Equitas Small Finance Bank, with a joining fee of ₹1,000 + GST.

It earns up to 10 pts per ₹100 (≈2.5% value) on choose 2 of 5 categories spends in the form of reward points (points).

Cardholders get 1 quarterly domestic airport lounge access.

Equitas
Equitas Selfe Credit Card
Visa logo
  • Joining FeeFree
  • Annual Fee₹1,000
  • Best Suited ForEveryday spends
  • Reward TypeReward Points (points)
Rewards Rate
  • 10 pts per ₹100 on choose 2 of 5 categories
  • Base 0.50% on other spends
Welcome Benefits
  • Not applicable
Data verified 5 Jul 2026 — see our methodology
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Rewards and Benefits

Rewards Rate
10 pts per ₹100 on choose 2 of 5 categories
Base 0.50% on other spends.
Reward Redemption
Equitas Xchange Rewards: 1 RP = Rs 0.50; redeemable on the Equitas rewards catalogue.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
1 visit each quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
  • OTT / Prime memberships — 2 complimentary memberships from Amazon Prime, JioHotstar, SonyLIV, Zee5 or Discovery+ (cardholder's choice).

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Online shopping₹375/mo

    You spend ₹15,000 · earns 2.5% = ₹375 uncapped

    • Valued at realized redemption value
  • Groceries₹200/mo

    You spend ₹8,000 · earns 2.5% = ₹200 uncapped

    • Valued at realized redemption value
  • Dining & food delivery₹200/mo

    You spend ₹8,000 · earns 2.5% = ₹200 uncapped

    • Valued at realized redemption value
  • Travel & hotels₹250/mo

    You spend ₹10,000 · earns 2.5% = ₹250 uncapped

    • Valued at realized redemption value
  • Utilities & bills₹125/mo

    You spend ₹5,000 · earns 2.5% = ₹125 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Fuel₹4,000 · 0.0% = ₹0/mo
Est.net rewards for this spend, realistic
₹13,800/yr

₹13,800 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹2,40,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
—
Interest Rates
N/A
Fuel Surcharge Waiver
N/A
Cash Advance Charges
N/A

Product Details

  • mid card issued by Equitas Small Finance Bank.
  • Joining / annual fee of ₹1,000 + GST, waived on annual spends of ₹2,40,000.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (1/quarterly).

Pros & Cons

Pros
  • Annual fee waivable on ₹2,40,000 spend.
  • Complimentary domestic airport lounge access (1/quarterly).
Cons
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 10 pts per ₹100 on choose 2 of 5 categories
    5X reward points (10 RP per Rs 100) on 2 self-selected categories from Apparel (online), Dining, Grocery, Utility and Taxi (travel). Only the two chosen categories qualify.
Capping rules
  • 5X applies to only 2 of the 5 eligible categories, chosen by the cardholder; the other three earn the base 2 RP/Rs 100.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • insurance premiums
  • emi

Airport lounge access

Domestic
1 visit(s) / quarterly. Via visa.

Other benefits

  • OTT / Prime memberships. 2 complimentary memberships from Amazon Prime, JioHotstar, SonyLIV, Zee5 or Discovery+ (cardholder's choice).

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
720+
Income (salaried)
₹4,00,000 p.a.
Income (self-employed)
₹5,00,000 p.a.

Eligibility income/age are tier-standard defaults, not published on the product page.

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